Ask Tim

ACORD Changes Limits Wording on Certificate of Insurance

Insurance industry standards-setting organization ACORD recently introduced a new edition of its most popular evidence of insurance form. The new Certificate of Liability Insurance, ACORD 25 (2025/12), is in use…

Woman filling out form

DFS: Military Action Means Greater Cyber Risk

Insurance agencies and other financlal services businesses should be on the alert for increased cybersecurity threats because of recent events, the New York State Department of Financial Services (DFS) said…

Seven military army tanks driving down a street with people inside.

Become an Additional Insured and Lose Coverage?

Can a business lose coverage if someone else’s liability insurance policy names them as an additional insured? Yes. What Happened A member contacted us recently about his client, the owner…

A fire erupting over a gas stove in a kitchen.

Presidents’ Day Trivia: NY, Sports & Music

Today, February 16, is Presidents Day, when the country celebrates the 45 men (they’ve all been men so far) who have held the land’s highest office. You may not have…

A close-up view of the American flag waving in the air.

NY Cyber Reg: What Your Agency Must Do

As has been the case for the past nine years, sometime between now and April 15, each agency must log into the NYS Department of Financial Services (DFS) cyber portal…

A 3-D fingerprint icon with a wireframing background.

DFS Warns About ‘Vishing’ Cybersecurity Attacks

Last Friday the New York State Department of Financial Services (DFS) sent a heads-up to all cybersecurity leaders at firms it regulates: to watch out for vishing — voice phishing…

A close-up view of a woman with an iPhone held up to her ear, on a phone call.

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